Credit.org and the HomeOwnership.org website have helped over 4 million consumers. We are committed to providing education, free counseling, and access to government programs to assist struggling homeowners.
HomeOwnership.org presents the free services of credit.org’s housing counselors. Credit.org is a nonprofit, HUD-approved housing counseling agency formed in 1974 by business leaders and credit grantors. An original member of the Homeownership Preservation Foundation, credit.org is dedicated to helping homeowners find the best solutions when facing difficulty with their mortgages.
HomeOwnership.org’s mission is simple, yet vital: to improve the lives and financial well-being of homeowners and families by providing quality financial education and counseling.
We understand that trust is difficult to come by in this day and age. Please examine our credentials and what they mean to you. Along with our strong network of partners and endorsements, credit.org brings more than 40 years of experience to the education and counseling table.
HUD-Approved Housing Counseling Agency
We are a HUD approved housing counseling agency. To maintain HUD approval, we keep meticulous records and undergo regular audits to ensure quality service.
Learn more about credit.org’s housing counseling services.
Accredited by the Better Business Bureau (BBB)
Credit.org has been accredited by the BBB since November 11, 1983. The BBB Code of Business Practices represents high-standards in advertising, selling and customer service practices that enhance customer trust and confidence in business.
View credit.org’s BBB profile.
Accredited by the Council on Accreditation
To become accredited by the Council on Accreditation (COA), we undergo an extensive review process by an independent review group to make sure we provide the best possible nonprofit service to the community.
Learn more about COA.
Member of National Foundation for Credit Counseling
Founded in 1951, the National Foundation for Credit Counseling promotes the national agenda for financially responsible behavior and builds capacity for its members to deliver the highest quality financial education and consumer credit counseling services.
Learn more about the NFCC.
Member of FCAA
Member of HOPE NOW
Credit.org is a member of HOPE NOW, an alliance of counselors, mortgage companies, investors, and other mortgage market participants that maximizes outreach efforts to homeowners in distress to help them stay in their homes.
Homeownership Preservation Foundation
Credit.org is one of the founding members of the Homeownership Preservation Foundation (HPF), a nonprofit organization that is partnered with, and endorsed by the U.S. Department of Housing and Urban Development and the Department of the Treasury, as well as Fannie Mae, Freddie Mac, and NeighborWorks America.